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  • Would you like to know the top 10 credit cards offered by HDFC? Are you struggling to choose one from a wide variety of HDFC cards? We’re here to make it easy for you. Find the best HDFC credit card by comparing it with the rest.

    Top 10 HDFC Credit Cards in India

    Listed below are top 10 credit cards offered by HDFC. Each HDFC credit card provides unique benefits and caters different needs.

    HDFC Credit Card Variant Annual Fee Category
    HDFC Bank Regalia First CardRs.1,000 Premium lifestyle
    HDFC Bank Diners Club Black CardRs.5,000 Premium lifestyle
    HDFC Bank Regalia CardRs.2,500 Premium lifestyle
    HDFC Freedom Credit CardRs.500 Rewards
    Snapdeal HDFC Bank Credit CardRs.500 Online shopping
    HDFC Bank Money Back Credit CardRs.500 Cashback
    HDFC Bank Titanium Times CardRs.500 Regular lifestyle
    HDFC Bank Diners ClubMiles CardRs.1,000 Premium lifestyle
    HDFC Bank Platinum Times CardRs.1,000 Regular lifestyle
    JetPrivilege HDFC Bank Diners ClubRs.5,000 Premium travel

    (*BankBazaar is an authorized partner of HDFC Bank. You can apply for the below-listed cards on our website and get instant approval.)

    More
    We found 30 HDFC Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If new current/savings account opened 2500
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If spends > 1 lakh In 90 days 5000
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    2500
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee details
    Reduced to 0 If new current/savings account opened 10000
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If CASA account is opened 500
    No Income Docs Needed
    What you'll love
    Documents
    You'll also love
    Fee Details
    1000
    What you'll love
    Documents
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    Fee Details
    1000
    What you'll love
    Documents
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    Fee Details
    500
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
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    Fee Details
    500
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details

    HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater different needs. From travel to shopping to dining to premium, the bank has a card for every category.

    All About HDFC Credit Cards

    Features And Benefits Of Top 10 HDFC Bank Credit Cards

    HDFC Bank Regalia First Card

    Key Highlights: A premium credit card that provides exclusive travel and lifestyle benefits.

    Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.1,000 (For regular applicants).

    Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

    Joining Bonus: 1,000 reward points upon paying the joining fee.

    Features and benefits:

    • Complimentary Priority Pass Membership that provides access to 700+ airport lounges.
    • 15% discount at premium restaurants across India.
    • Up to 7,500 reward points on achieving annual spends of up to Rs.6 lakh.
    • 8 complimentary domestic lounge access per calendar year.
    • Foreign currency markup fee of 2% on all international spends.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

    Rewards redemption option: Reward points can be redeemed for free air tickets.

    Suitable for: People who frequently visit international locations.

    HDFC Bank Diners Club Black Card

    Key Highlights: Offered in partnership with Diners Club International, the credit card provides world-class privileges in travel, lifestyle, golf, rewards, etc.

    Joining fee: Rs.0 (For those applying on bankbazaar.com); Rs.10,000 (For regular applicants).

    Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.

    Joining Bonus: 10,000 reward points upon paying the joining fee.

    Features and benefits:

    • 50 reward points on international spends.
    • Unlimited access to more than 700 airport lounges across the globe.
    • Exclusive 24/7 concierge services at both local and international locations.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, baggage delay and credit liability.
    • 6 complimentary Golf games per quarter valid in India as well as abroad.

    Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.

    Suitable for: People who frequently visit international locations.

    HDFC Bank Regalia Card

    Key Highlights: Designed for elite class, the Regalia Credit Card offers best of the benefits across various lifestyle categories.

    Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.2,500 (For regular applicants).

    Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

    Joining Bonus: 2,500 reward points upon paying the joining fee.

    Features and benefits:

    • Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
    • 15% discount at premium restaurants across India.
    • Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
    • 12 complimentary domestic lounge access per calendar year.
    • 24X7 concierge assistance for travel and entertainment bookings.
    • Foreign currency mark-up fee of 2% on all international spends.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

    Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on hdfcbankregalia.com. Also convertible to Air Miles.

    Suitable for: People who spend massively on their credit cards and travel frequently.

    HDFC Freedom Credit Card

    Key Highlights: One of the best reward credit cards, the Freedom credit card also offers spend based rewards and free accidental death insurance.

    Joining fee: Rs.500

    Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.

    Joining bonus: 500 reward points upon paying the joining fee.

    Features & benefits:

    • 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
    • 10 times more reward points on HDFC PayZapp & SmartBUY spends
    • 25 times more points on birthday spend
    • A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
    • Complimentary accidental insurance up to 50 lakh.

    Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.

    Suitable for: People who use credit card for all daily expenses.

    Snapdeal HDFC Bank Credit Card

    Key Highlights: A true delight for regular Snapdeal customers. Customised features and benefits on Snapdeal spends.

    Joining fee: Rs.500

    Renewal fee: Rs.500 (from 2nd year onwards). Waived if the total spends in the previous year exceed Rs.1.5 lakh.

    Joining bonus: A gift voucher worth Rs.2,000 from Snapdeal within 30 days of card issuance.

    Features and benefits:

    • 5X more reward points on spends at Snapdeal.com.
    • 10X more reward points on making purchases on Snapdeal through HDFC Smart BUY.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Fuel surcharge waiver at all petrol stations in India.

    Rewards redemption option: Reward points can be redeemed for Snapdeal vouchers.

    Suitable for: Frequent online shoppers, especially on Snapdeal.com.

    HDFC Bank Moneyback Credit Card

    Key Highlights: Redeem reward points for cash back against your card outstanding.

    Joining fee: Rs.500

    Renewal fee: Rs.500 (from 2nd year onwards).

    Joining bonus: 500 reward points once the joining fee is paid.

    Features and benefits:

    • 2X more reward points on online spends.
    • Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Zero liability on lost card.

    Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

    Suitable for: People who would like to cut their credit card annual maintenance.

    HDFC Bank Titanium Times Card

    Key Highlights: A low-cost, high-value credit card that provides benefits across various lifestyle categories.

    Joining fee: Rs.500.

    Renewal fee: Rs.500 (from 2nd year onwards).

    Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.

    Features and benefits:

    • 2X more reward points on online spends.
    • Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Zero liability on lost card.

    Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

    Suitable for: People looking for a less maintenance credit card with benefits across categories.

    HDFC Bank Diners ClubMiles Card

    Key Highlights: A travel credit card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.

    Joining fee: Rs.1,000

    Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).

    Joining bonus: 1,000 reward points once the joining fee is paid.

    Features and benefits:

    • Exclusive lounge access program that provides access to leading airport lounges across the globe.
    • Up to 6 free lounge visits to more than 700 lounges worldwide.
    • Book air tickets and hotels across the globe online through exclusive Diners Club website.
    • Concierge services assist travel needs.
    • 15% discount and other benefits at leading restaurants across India.
    • A comprehensive air insurance cover up to Rs.1.5 crore.

    Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.

    Suitable for: Globetrotters who use their credit card for most of the travel needs.

    HDFC Bank Platinum Times Card

    Key Highlights: A low-cost, high-value credit card that provides benefits across various lifestyle categories.

    Joining fee: Rs.1,000.

    Renewal fee: Rs.1,000 (from 2nd year onwards).

    Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.

    Features and benefits:

    • 25% off on movie ticket bookings and up to 20% discount on dining bills.
    • 3 more reward points on regular spends and 10 points on dining spends on weekdays.
    • Fuel surcharge waiver.
    • Free accidental death insurance up to Rs.50 lakhs.

    Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.

    Suitable for: People who are movie freaks and dine-out quite frequently.

    JetPrivilege HDFC Bank Diners Club

    Key Highlights: A co-sponsored credit card that provides exclusive benefits on Jet Airways flight bookings.

    Joining fee: Rs.10,000

    Renewal fee: Rs.5,000 (2nd year onwards). Spend Rs.8 lakh to avail renewal fee waiver in the next year.

    Joining bonus: Up to 30,000 bonus JPMiles and 15 Jet Privilege Tier Points within first 90 days of card set up.

    Features and benefits:

    • 5% discount on the base fare for revenue tickets booked via Jet Airways website.
    • Priority check-in and extra baggage allowance at select Indian airports.
    • Free, unlimited access to the world's largest airport lounge program.
    • 8 JPMiles on regular spends and 24 JPMiles on tickets booked through Jet Airways.
    • Unlimited complimentary golf games and lessons across the globe.
    • Exclusive fine dining privileges at top restaurants.
    • Personalised 24x7 concierge services for all your bookings.

    Rewards redemption option: Reward points can be exchanged for JPMiles and the same can be redeemed for Jet Airways flight tickets.

    Suitable for: People who prefer Jet Airways to other air carriers for all their local and international travels.

    Eligibility To Apply For HDFC Credit Cards

    Each HDFC credit card has different eligibility criteria. Based on the category of the card, an income of the applicant and other factors the bank decides which card suits for an applicant.

    Let's look at the income and age criterial for top 10 HDFC credit cards
    HDFC Credit Card Variant Income Criteria
    Salaried Self-employed
    HDFC Regalia Credit Card Gross income > Rs.1.2 lakh per month ITR > Rs.12 lakh per annum
    HDFC Diners Club Black Net income > Rs.1.75 lakh per month ITR > Rs.21lakh per annum
    HDFC Regalia First Gross income > Rs.40,000 per month ITR > Rs.5lakh per annum
    Diners ClubMiles Credit Card Net income > Rs.30,000 per month ITR > Rs.3.6 lakh per annum
    Diners Club Premium Net income > Rs.60,000 per month ITR > Rs.7.2 lakh per annum
    Diners Club Rewardz Net income > Rs.30,000 per month ITR > Rs.3.6 lakh per annum
    Bharat CashBack Card Gross income > Rs.12,000 per month ITR > Rs.2 lakh per annum
    Freedom Card Gross income > Rs.12,000 per month ITR > Rs.2 lakh per annum
    Snapdeal Credit Card - -
    MoneyBack Credit Card - -

    Age Criteria

    Salaried – 21 to 60 years & For self-employed – 21 to 65 years

    Check Eligibility For HDFC Credit Cards Online

    You can check eligibility for each HDFC credit card online using HDFC Bank official website and Bank Bazaar website.

    • Check on hdfcbank.com: Visit HDFC Bank Site (www.hdfcbank.com/personal/products/cards/credit_cards) & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.
    • Check on bankbazaar.com: Visit www.bankbazaar.com/hdfc-credit-card.html page to find the list of HDFC credit cards we offer. Click on the 'Check Eligibility' button to know your eligibility for the card.

    Documents Required To Apply For HDFC Credit Cards

    Proof of Identity Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter's ID card
    • Driving license
    Address proof Any one of the documents
    • Telephone bill
    • Electricity bill
    • Passport
    • Ration card
    • Rental agreement
    • Aadhaar card
    Income proof (For salaried)
    • Salary certificate
    • Recent salary slip/s
    • Employment letter
    Income proof (For self-employed)
    • Certified financials
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement or balance sheet

    HDFC may ask for additional documents based the applicant's profile. The above list is for reference purpose only.

    How To Apply For HDFC Credit Cards Online?

    As mentioned earlier, BankBazaar is an official partner of HDFC Bank and offers paperless approval application process for some of its credit cards.

    Through our website, you can check your eligibility for HDFC Credit Cards, apply and submit all the required documents online and enjoy a hassle-free application process.

    Besides that BB.com provides the below-mentioned benefits for its users.

    • Free CIBIL score
    • Instant eligibility check
    • Instant approval for eligible applicants
    • Paperless processing
    • Free gift vouchers
    • A chance to win exciting gifts

    Follow the steps to apply for HDFC Credit Cards through BankBazaar.com

    • On the HDFC Credit Card page, you can find the list of HDFC credit cards on the top.
    • Choose a card and click on the 'Check Eligibility' button
    • You will be prompted with a list of questions
    • Answer them to know your eligibility.
    • If you're eligible for the card, you will be redirected to the online application page.
    • Fill all the required fields on the page before clicking on 'Submit'.
    • You will then be asked to upload the documents - do the same and click on 'Submit'

    On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.

    Reward Points Offered On Top 10 HDFC Credit Cards

    All the eligible HDFC credit cardholders can earn reward points while they spend using their cards.

    The reward points can be redeemed for various options from HDFC Rewards Catalogue, cashback, air miles, and other options.

    Listed below are the reward points offered on top 10 HDFC credit cards.

    HDFC Credit Card Variant Regular rewards points Accelerated reward points
    HDFC Bank Regalia First Card 4 reward points on every Rs.150 spent NA
    HDFC Bank Diners Club Black Card 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking
    HDFC Bank Regalia Card 4 reward points on every Rs.150 spent NA
    HDFC Freedom Credit Card 1 reward point on Rs.150 spent 5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends
    Snapdeal HDFC Bank Credit Card 2 reward points per Rs.150 spent on all purchases 10X RP per on all Snapdeal purchases
    HDFC Bank Moneyback Credit Card 2 reward points for every Rs.150 100% more RP on online spends.
    HDFC Bank Titanium Times Card 2 reward points for every Rs.150 spent 5 RP on dining spends during weekdays
    HDFC Bank Diners Club Miles Card 4 reward points on every Rs.150 spent 10X RP on international spends
    HDFC Bank Platinum Times Card 3 reward points for every Rs.150 spent 10 RP on dining spends during weekdays
    JetPrivilege HDFC Bank Diners Club 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking

    Other HDFC Credit Cards

    The other credit cards offered by HDFC Bank are listed here. Please note that the cards are not offered by BankBazaar. To apply for the cards, please visit HDFC official website.

    HDFC Credit Card Variant Annual Fee Category
  • JetPrivilege HDFC Bank World
  • Rs.2,500 Travel
  • JetPrivilege HDFC Bank Platinum
  • Rs.1,000 Travel
    JetPrivilege HDFC Bank Select or Titanium Rs.1,000 Travel
  • HDFC Diners Club Black
  • Rs.5,000 Travel
  • HDFC Infinia Credit Card
  • Rs.10,000 Premium lifestyle
  • HDFC Solitaire
  • Rs.1,000 Shopping
  • HDFC AllMiles Credit Card
  • Rs.1,000 Travel
    HDFC Doctors Superia Rs.1,000 Doctors with travel benefits
    HDFC Teachers Platinum Rs.500 Teachers with shopping benefits
  • HDFC Platinum Edge
  • Rs.1,000 Cashback
  • HDFC Titanium Edge
  • Rs.1,000 Dining

    JetPrivilege HDFC Bank World Credit Card

    Benefits & Features of JetPrivilege HDFC Bank World Credit Card

    • You get a welcome gift of up to 10,000 additional JPMiles and one way base ticket charges rebated when you use Jet Airways.
    • Get six JPMiles whenever you spend INR. 150 and 18 JPMiles on every air ticket reserved from the official Jet Airways or JetKonnect website.
    • Committed check-in with 10 kg extra baggage permissions.

    JetPrivilege HDFC Bank Platinum Credit Card

    Benefits & Features of JetPrivilege HDFC Bank Platinum Credit Card :

    • Welcome gift of 4000 extra JPMiles.
    • One way base charges rebated if you book a Jet Airways ticket.
    • Get five JPMiles whenever you spend INR. 150.
    • Earn 15 JPMiles on every air ticket reserved from official websites of Jet Airways or JetKonnect.
    • Get five percent off on base charge for air tickets reserved from Jet Airways or JetKonnect.

    HDFC Diners Club Black Credit Card

    Benefits & Features HDFC Diners Club Black Credit Card

    • Enjoy special entry to the choicest Golf Clubs in India as a Green Fee player.
    • You can earn travel coupons worth INR. 750 for every 1000 points accrued.
    • Points can be redeemed as cash for air tickets, hotel booking at the HDFC entertainment website, hdfcbankdinersclub.com.

    HDFC Infinia Credit Cards

    Benefits & Features of HDFC Infinia Credit Cards:

    • Infinia Card comes with no prearranged limit on cash spending or withdrawal.
    • You earn 5 points for every INR.150 you spend.
    • You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
    • Reserve air tickets, film tickets, and hotel rooms via HDFCBankInfinia.com and make double the points.
    • Free international travel insurance.

    HDFC Solitaire Credit Cards

    Features and Benefits of HDFC Solitaire Credit Cards:

    • With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
    • Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
    • With every Rs. 150 spend, get 3 reward points.
    • The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
    • Get Shoppers Stop vouchers of Rs. 2,000 annually.
    • Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs. 5 lakh on the card.
    • With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
    • Zero Lost Card Liability.

    HDFC AllMiles Credit Card

    Features and Benefits of HDFC AllMiles Credit Card :

    • With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
    • With every Rs. 150 spend, get 3 reward points.
    • Free Priority Pass Membership.
    • With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
    • With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
    • With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.

    HDFC Platinum Edge credit card

    Features and Benefits of HDFC Platinum Edge credit card

    • For every Rs.150 spent through your card, earn 2 reward points.
    • Enjoy 50% additional reward points for expenses made on dining out.
    • Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
    • The chip on the card ensures that every transaction made is safe and secure
    • Enjoy revolving credit facility at a nominal interest rate.

    HDFC Titanium Edge credit card.

    Features and Benefits of HDFC Titanium Edge credit card

    • For every Rs.150 spent through your card, earn 2 reward points.
    • Enjoy 50% additional reward points for expenses made on dining.
    • Reward points can be redeemed as cashback against the outstanding bill amount.
    • Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
    • On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.

    FAQ’s for HDFC Bank Credit Cards

    1. What are the different categories of credit cards offered by HDFC Bank?
    2. Super Premium Credit Cards
      Infinia
      Regalia
      Diners Club Black
      Premium Women's Credit Cards
      Solitaire
      Co-Brand Credit Cards
      Platinum Times Card
      Titanium Times Card
      Premium Credit Cards
      Visa Signature
      World MasterCard
      Diners Club Premium
      Diners Club Rewardz
      Professional Credit Cards
      Doctor's Superia
      Teacher's Platinum
      Regular Credit Cards
      Platinum Plus
      Premium Travel Credit Cards
      Superia
      AllMiles
      Commercial Credit Cards
      Business Regalia
      Business Platinum
      Business Gold
      Corporate Platinum
      Corporate Visa Signature
      Corporate World MasterCard
      Corporate Card
      Purchase Card
      Distributor Card

    3. At a glance, what features do HDFC Bank credit cards offer to a customer?

      • Welcome benefits
      • Rewards Points - Redemption across multiple airlines
      • Attractive offers on movies and dining
      • Spend based Annual and Renewal fee reversals
      • Fuel Surcharge waivers
      • Priority passes
      • Comprehensive Insurance coverage

    4. Can I apply for a HDFC credit card online? What benefits can I get?
    5. Yes, you can apply for a HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.

    6. What are the documents required to complete my HDFC credit card application online?

      • Applicant's address details
      • PAN card
      • Scanned copy of your ID proof and address proof

    7. How do I register for Credit Card Net Banking with HDFC?
    8. As an existing HDFC Bank account holder, you can register for Credit Card Net Banking services by following the below given steps.

      • Customers need to login into NetBanking with their customer ID and internet password.
      • Inside the Net Banking account, click on the credit card tab.
      • Add your new card, by selecting the ‘Register New Card’ feature.
      • Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on ‘Submit’.

    9. What are the features available under HDFC Credit Card Net Banking?
    10. After logging into a HDFC NetBanking account, customers can view the following:

      • Cash and credit limits pertaining to the registered credit card
      • Billed/Unbilled transactions
      • Payment due date
      • Reward points earned on a credit card
      • Credit Card Statements (up to 6 months)

    11. How can I pay my HDFC credit card bills?
    12. Customers can use any of the following modes of payments:

      • HDFC Bank Netbanking
      • Non-HDFC Bank Netbanking
      • HDFC Bank Mobile Application
      • Auto pay
      • ATM Funds Transfer

    13. What is the advantage of paying my HDFC credit card bill using internet banking?
    14. Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.

    15. Can I take a loan using the HDFC Bank credit card I currently hold?
    16. Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.

    17. What does the SmartEMI scheme offer to a customer?
    18. The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.

    19. I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?
    20. Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.

    21. My HDFC credit card application is in process. Can I track the status online?
    22. Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.

    23. Are HDFC Bank credit card statements available online?
    24. Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.

    25. Can I earn reward points and JPMiles for expenses done using my HDFC Bank credit card?
    26. ‘MyRewards’ from HDFC Bank is a unique reward points program presenting easy redemption options with a wide range of coupons and discounts to choose from. Customers can earn JPMiles from their Jet Airways/HDFC Bank co-branded credit cards.

    27. Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?
    28. Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be got from a customer’s credit card statement.

    Why you should get a Credit Card today.

    Scared that a Credit Card will make you a spendthrift? LOL!

    Let’s talk about the benefits.

    Break It Up, Boy (or Girl)

    Why borrow big when you can just swipe big and then break it up into smaller affordable EMIs?

    Return Gift

    Spend using your Credit Card and get returns in the form of Cashback, offers and rewards.

    Up Your Credit Score

    Use your Credit Card wisely and you shall be awarded a good Credit Score. Don’t you want that?

    Spending Tracker

    Contrary to popular belief, a Credit Card can help you curb wasteful spending. Just study your card statement.

    Credit Card = benefits galore.

    Things That Matter When Applying For A Credit Card

    Plastic money is a boon for many reasons. However, using Credit Cards responsibly is very important. We'll tell you about the things that matter when you apply for a Credit Card.

    Your Income

    This is the first thing that the card issuer will ask you. The more your income, the higher credit limit you will be eligible for.

    Past Credit History

    You've had a Credit Card before? You didn't pay the bills on time? If this is true, the banks might have put you on the defaulters list. Maintain a good credit history.

    Why Do You Need A Credit Card?>

    Shopping, dining, travel, the list is endless. Choose a Credit Card that matches your lifestyle.

    Age Matters

    Your age also matters when you apply for a Credit Card. The credit limit may be lower for a person above 55 years. If you are between 18 -35 years, you can get a higher credit limit on your card.

    Applying for a Credit Card is simple. We have a whole lot of amazing offers for you. Check them out now!

    *Terms and conditions apply. Credit at the sole discretion of the bank.

      

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    Customer Reviews

    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was applied through Bank and got the card .I am using this credit card for the past 6 years.The credit limit was sufficient and there was no difficulties faced so far on using this card.I have got the credit card on time ,There are very useful reward points as well as cash back offers.
      Was this review helpful? 0
      , nellore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 9 months and this card is having good cash back offers and reward points as well.This was a chargeable card and if spend 90,000 the charges will be wived off .I am really satisfied with the service so far on using this credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit ard which was directly taken through Bank.This credit card is really good to use and got this on exact time frame ,I am using this credit card for the past 1 year.This was a free card and there was no difficulties faced so far on using this credit card . I am really satisfied with the service so far .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 months ,The credit limit was very good and got this credit card on time ,This was a free card and there was no difficulties faced so far on using this credit .I am totally satisfied with the service .
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was taken through agent only.This was a chargeable card and if spend Rs.50,000 in a year the charges will be waived off .The credit limit was really good and there was no difficulties faced on using this credit card .I am really satisfied with the service .
      Was this review helpful? 0
      , sangli
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 to 3 years .This was a chargeable car and got this credit card details through the agent ,I have got my credit card on time without any hassle .I am satisfied with the service.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 13, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank creidt card which was taken though Bank directly .I am using this credit card for the past 5 years.I have got the credit card on time and there was no difficulties faced so far on using this card .This was a chargeable card and there are good reward points as well as cash back offers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 13, 2019
    • HDFC Bank Credit Card
      "Customer response is very good"
      0.5 4.5/5 "Excellent!"
      HDFC given me a reasonable rate of interest, but the offers are somewhat less. I am having a platinum card and they are not sending any promotional offer also. They given me a credit limit of Rs. 30000 and its a life time free card. I did not face any problem while using the card.
      Was this review helpful? 0
      , tirupati
      Reviewed on Oct 13, 2019
    • HDFC Bank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      There are no yearly charges and its zero on my HDFC Bank credit card. I have been using the HDFC credit card for 19 months. When i taken the car loan, they have provided me this credit card. I got the titanium credit card with a credit limit of 97k.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 13, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      From HDFC bank I am using money back credit card for more than a year. It is an annual fee chargeable card of 500 rupees and there is an option for a waiver off. The credit limit given for 32 thousands at an initial now they enhanced to 72 thousands. EMI option applicable charges are high of 18%. I use for shopping purpose.
      Was this review helpful? 0
      , dharmapuri
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 7 years,This was a chargeable card ,I have got this credit card on time and there was no difficulties faced so far ,I am really satisfied with the service .The credit limit was good and totally comfortable with the service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having HDFC Bank credit card for the past 15 days only ,I have availed this credit card through Bank directly ,I have got a clear picture about the card process through the agent ,This was a free card and there was no difficulties faced while submitting the documents .I am really satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      I am having a credit card with HDFC bank for the past few months only which was processed through bank directly. It is a life time free credit card and the credit limit is much sufficient for this card. EMI option is not applicable. So far no issues I had faced from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good pre-approved credit card"
      0.5 5.0/5 "Blown Away!"
      I am using the rupay credit card from HDFC hence I'm getting the rewards points when i am doing a online purchases, They are providing a fuel sur charges. The offered credit limit of Rs. 48000 was not sufficient for me and I'm trying to increase the same. I use the credit card for almost 1 year. I make the partial payment always. Interest rates are nominal.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 2 years ,This was a free card and the credit limit was good it was upto 40,000 .Since have salary account i have received the card on paperless approval .I am really satisfied with the service so far .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I hold a money back credit card from HDFC. I get a benefits of cashbacks. I'm getting the messages regarding the cashbacks and discounts on a daily basis. The given credit limit is Rs. 1 lakh. There is no yearly charges on this card and i use this card for almost 4 years. They gave me a option to increase the limit but i didn't accept it.
      Was this review helpful? 0
      , madurai
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I hold a credit card of HDFC but i discontinue with the card. The card features was fine. I had closed because it does not required for me. I hold a money back credit card. They have provided me a lots of cashback and i got the credit limit of Rs. 69000.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly taken through Bank.I am using this credit card for the past 3 years ,This was a free card ,The credit limit was good and it was sufficient ,I have got the credit card on time ,While submitting the documents there was no difficulties .
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 10, 2019
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